engagement ring insurance-
Just proposed! Finacee loves the engagement ring - thanks Blue Nile!
Now, how to insure? What have others done? Of course, appraisal value is like full retail price: I paid a bit more than 50% of the appraisal price.
Blue Nile jewelry steers you to a policy with Chubb. Also, I have learned that, although the value would fit well within my $44K homeowner's property (I don't have anywhere near $44k even though I have art, electronics, music instruments, tools, etc.), even if I accepted the negative of $1k deductible, they don't cover jewelry past $500 , so I would need a "scheduled personal property" deal.
Is it better to have a policy with my homeowner's ins? Or does anyone know of a good company/good rate for insuring an engagement ring that would cost a little more than ~5K to replace?